United MileagePlus® Explorer card

NEW CARDMEMBER OFFER
40,000 bonus miles
after you spend $2,000 on purchases in the first 3 months from account opening.*

AT A GLANCE
Enjoy special travel perks.
Get priority boarding, a free first checked bag, plus earn miles on every purchase.* Terms apply.

APR
16.99%–23.99% variable APR.†

ANNUAL FEE
$95†

Card Benefits

40,000 bonus miles

after you spend $2,000 on purchases in the first 3 months from account opening.*

Earn 5,000 bonus miles after you add the first authorized user and make your first purchase in the first 3 months from account opening.*

This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.

2X miles on tickets purchased from United

Earn 2 miles per $1 spent on tickets purchased from United.*

Earn 1 mile per $1 spent on all other purchases.*

Your miles don't expire as long as your credit card account is open, with no limit to the number of miles you can earn.*

Free first checked bag – save up to $100 per roundtrip

The primary cardmember and one companion traveling on the same reservation will each receive their first standard checked bag free – calculated as a $25 value for the first checked bag, each way, per person – on United-operated flights when purchasing tickets with their United MileagePlus Explorer card.* See united.com/chasebag for details.

Priority boarding

The primary cardmember and companions on the same reservation will be invited to board United-operated flights prior to general boarding.*

The primary cardmember and one companion traveling on the same reservation will each receive their first standard checked bag free – calculated as a $25 value for the first checked bag, each way, per person – on United-operated flights when purchasing tickets with their United MileagePlus Explorer card.* See united.com/chasebag for details.

Priority boarding

The primary cardmember and companions on the same reservation will be invited to board United-operated flights prior to general boarding.*

2 United ClubSM one-time passes each anniversary – over a $100 value

Take some time to relax before your flight with two United Club one-time passes each year for your cardmember anniversary. Enjoy complimentary beverages, snacks, and other amenities like work spaces, free Wi-Fi and more.*

Use miles towards flights and more

You can use MileagePlus miles toward travel on United, starting as low as 12,500 miles for a one-way Saver Award within the continental U.S. and Canada.* You can also use miles for travel on Star Alliance™ and other partner airlines. Or use them to enhance your travel with upgrades, inflight Wi-Fi, hotel stays and car rentals. To learn more, please visit united.com/usemiles.

Enjoy Luxury Hotel & Resort Collection privileges

Stay in style with room upgrades, complimentary daily breakfast for two, early check-in, late checkout and other amenities at more than 900 luxury hotels and resorts worldwide.*

Receive 10,000 bonus miles after you spend $25,000 on purchases on your card each calendar year.*

No foreign transaction fees

You will pay no foreign transaction fees when you use your card for purchases made outside the United States.† For example, if you spend $5,000 internationally, you would avoid $150 in foreign transaction fees.

Travel & purchase coverage

You're covered with built-in benefits

Auto Rental Collision Damage Waiver

Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.**

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.**

Lost Luggage Reimbursement

If you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.**

Trip Cancellation/Trip Interruption Insurance

If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.**

Trip Delay Reimbursement

If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.**

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per year.**

Price Protection

If a card purchase you made in the U.S. is advertised for less in print or online within 90 days, you can be reimbursed the difference up to $500 per item, $2,500 per year.**

Return Protection

You can be reimbursed for eligible items that the store won't take back within 90 days of purchase, up to $500 per item, $1,000 per year.**

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.**

** These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are underwritten by unaffiliated insurance companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. Once your account is opened we will send you a Guide to Benefits, which includes a full explanation of coverages.

CHASE DOES NOT ENDORSE/GUARANTEE THE ACCURACY OF, AND DISCLAIMS ALL LIABILITY FOR, ALL SUBMISSIONS INCLUDING POSTS MADE BY EMPLOYEES/SUPPLIERS WHO ARE NOT AUTHORIZED ADMINISTRATORS OF THIS SITE. SUBMISSIONS ARE NOT EDITED BY CHASE NOR DO THEY NECESSARILY REPRESENT/REFLECT THE VIEWS/OPINIONS OF CHASE. PRODUCTS AND BENEFITS MENTIONED IN REVIEWS MAY CHANGE OVER TIME.

40,000 Bonus Miles
This product is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months. With this bonus offer, you will qualify and receive 40,000 bonus miles after you make Purchases totaling $2,000 or more during the first 3 months from account opening. ("Purchases" do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) After qualifying, please allow up to 8 weeks for bonus miles to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. Bonus miles do not count towards Premier status. If your account is not open for at least six months, United and Chase reserve the right to deduct the bonus miles from your MileagePlus Program account. Offer subject to change.

5,000 Bonus Miles
This product is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months. With this bonus offer, you will qualify and receive 5,000 bonus miles after your First Purchase and addition of an authorized user to your account; both must occur during the first 3 months from account opening. 5,000 bonus miles will only be awarded once, for the first authorized user added to your account regardless of how many total authorized users you add to your account. ("First Purchase" does not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) After qualifying, please allow 6 to 8 weeks for bonus miles to post to your account. These miles do not count toward Premier status. If your account is not open for at least six months, United and Chase reserve the right to deduct the bonus miles from your MileagePlus Program account.

Adding an Authorized User
All correspondence, including credit cards, statements, and notifications will be sent to the name and address on file for the primary cardmember. The primary cardmember is responsible for repaying all balances on this account. Authorized users will have the same account number and charging privileges as the primary cardmember but will not be financially responsible. Chase provides account information to the credit reporting agencies for all account users. This information could impact an authorized user's credit score. When you tell us to add a user to your account, you're confirming that you have a relationship with the person or people whose name(s), address(es), and date of birth(s) you've told us, that all their information is correct, and that you have their consent to add them. If Chase determines you've given us fraudulent name, address, or date of birth information, or did not have such consent, Chase can close this account.

Calendar Year Bonus Miles
As a one-time bonus each calendar year, once you reach $25,000 in purchases you will receive 10,000 bonus miles. Purchases are when you, or an authorized user, use a card to make purchases of products and services, minus returns or refunds. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won't count and won't earn bonus miles: balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. Purchases you make with other United credit cards prior to becoming an Explorer cardmember will not count towards the $25,000 requirement. "Calendar year" means January 1 through December 31 of that same year. For your first year as an Explorer cardmember, calendar year means the period beginning with your enrollment date through December 31 of that same year. Therefore, you will have from your account open date through December 31 to earn the one-time bonus in your first year. Please allow up to 6 weeks after the billing cycle in which you qualify for bonus miles to post to your MileagePlus account.

Free Checked Bag
The primary Cardmember and one traveling companion on the same reservation are each eligible to receive their first standard checked bag free; authorized users are only eligible if they are on the same reservation as the primary Cardmember. To receive first standard checked bag free, the primary Cardmember must include their MileagePlus® number in their reservation and use their MileagePlus Explorer Card to purchase their ticket(s). First standard checked bag free is only available on United®- and United Express®-operated flights; codeshare partner-operated flights are not eligible. Service charges for oversized, overweight and extra baggage may apply. Cardmembers who are already exempt from other checked baggage service charges will not receive an additional free standard checked bag. Chase is not responsible for the provision of, or failure to provide, the stated benefits. Please allow 2 weeks after account opening for your first free standard checked bag to be available on your United reservation. Please visit united.com/ChaseBag for details.

Priority Boarding
The primary Cardmember and companions traveling on the same reservation are eligible for priority boarding; authorized users are only eligible if they are on the same reservation as the primary Cardmember. To receive priority boarding, the primary Cardmember must include their MileagePlus® number in their reservation. Priority boarding is only available on United®- and United Express®-operated flights; codeshare partner-operated flights are not eligible. MileagePlus Explorer Cardmembers can board the plane before general boarding, after MileagePlus Premier® members, customers with Premier Access® and travelers requiring special assistance. Chase is not responsible for the provision of, or failure to provide, the stated benefits. Please allow 2 weeks after account opening for priority boarding to be available on your United reservation.

Anniversary United Club Passes
Two (2) United ClubSM one-time passes will be deposited into the primary Cardmember's MileagePlus Program account after account opening and every 12 months thereafter as long as the credit card account remains open. Please allow 4 weeks for your United Club passes to be deposited into your MileagePlus Program account. Each pass grants one person one-time access to a United Club location subject to United Club terms & conditions, united.com/UnitedClubRules, and Club access policies, united.com/UnitedClubAccess, each of which is subject to change, with or without notice. Access is subject to space availability. United Club passes must be presented for admittance to the United Club and can be accessed through the United app or by printing them from your MileagePlus account on united.com. United Club passes have no cash value, cannot be sold and cannot be replaced if lost or stolen. Each United Club pass is subject to the expiration date located on the pass. If your credit card account is closed, United and Chase reserve the right to remove the United Club passes from your MileagePlus Program account. Chase is not responsible for the provision of, or failure to provide, United Club amenities.

Earning Miles
Rewards Program Agreement: For more information about the United MileagePlus® Explorer card rewards program, view the latest Reward Program Agreement. We will mail your Rewards Program Agreement once your account is established. If you become a Chase Online customer, your Rewards Program Agreement will also be available after logging in to chase.com.

How you can earn miles: You'll earn miles when you, or an authorized user, use a United MileagePlus® credit card to make purchases of products and services, minus returns or refunds. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won't count and won't earn miles: balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 1 mile: You'll earn 1 mile for each $1 spent. 2 miles: You'll earn 2 miles total for each $1 spent on airline tickets purchased directly from United (1 additional mile on top of the 1 mile per $1 earned on each purchase). 10,000 bonus miles each calendar year: You'll receive 10,000 bonus miles each calendar year during which you make at least $25,000 in purchases with your card. "Calendar year" means January 1 through December 31 of that same year. Information about earning/transferring miles to United: Miles earned during a billing cycle will be automatically transferred to United after the end of each billing cycle. Miles expiration: The miles transferred to your MileagePlus account will not expire as long as your card account is open. If your card account is closed, the miles in your MileagePlus account will expire according to the MileagePlus program rules. Losing miles: You'll immediately lose all miles that haven't been transferred to United if your card account status changes, or your card account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of the Rewards Program Agreement.

Miles Don't Expire
Your miles will not expire as long as there is activity on your credit card account, including paying your annual membership fee, and the credit card account is open and not in default. Upon cancellation of your credit card account your miles will expire according to the MileagePlus program rules.

United Saver Awards
United Economy roundtrip Saver Awards are currently redeemable at 25,000 miles for travel within the continental U.S. Award pricing is subject to change without notice. Passenger is responsible for all taxes, fees, baggage fees and surcharges applicable to award travel, including, with respect to government-imposed taxes and fees, passenger facility charges (PFCs) of up to $18.00 per round trip; September 11th Security Fee of $5.60 per one-way trip that does not include a government-defined stopover for awards for air transportation originating at an airport in the U.S.; and U.S. segment tax of $4.00 for each segment (take-off and landing) as of January 1, 2017. Such taxes, fees and surcharges must be paid at the time of ticketing and are subject to change. Any valid unused award ticket may be returned to the MileagePlus Service Center, for a service charge, up to one year from the date of issue. Award seats are subject to availability and capacity-control restrictions apply. For more information on MileagePlus award travel, visit united.com/awards.

Room Upgrades and Special Amenities
The Luxury Hotel & Resort Collection (LHRC) program benefits and Guest Privileges are available exclusively on select Chase credit cards. To receive the Guest Privileges, reservations must be made through an LHRC Travel Specialist or on LHRCollection.com. Websites and other information provided by LHRC and/or participating hotels are not within Chase's control and may or may not be available in Spanish. All exclusive amenities and Guest Privileges are provided per room and are based on double occupancy. Some amenities may only apply to select rates, may be subject to availability at check-in, and are not redeemable for cash. Amenities may not be combined with other offers, including tour operator or wholesaler rates and packages. Complimentary Wi-Fi provided, with the exception of DumaTau and Little Makalolo where Wi-Fi is not available. Program benefits, participating properties, and Guest Privileges are valid through the current calendar year, but may become unavailable due to circumstances outside of Chase's control. All efforts have been made to ensure the accuracy of the information contained. We reserve the right to correct any mistakes. Certain blackout dates and other restrictions may apply. This program is brought to you by Chase through an agreement with Signature Travel Network.

UNITED MILEAGEPLUS VISA CARD PROGRAM INFORMATION
Individuals whose requests for this offer are not approved will not be enrolled in MileagePlus® through this request, although existing MileagePlus members will remain enrolled in MileagePlus. Authorized users will not be enrolled in MileagePlus as a result of this request. MileagePlus miles awarded through the use of the authorized user's card will only be credited to the primary cardmember's account. If a cardmember's membership in United's MileagePlus Program is terminated in accordance with the terms and conditions of that Program, the cardmember will no longer be eligible to earn any MileagePlus miles for purchases using the United MileagePlus Card. Chase's sole obligation concerning the award and redemption of miles shall be to make a valid request to United to award miles to the cardmember's associated MileagePlus account. Chase disclaims liability or responsibility for United's failure to award or redeem miles to the cardmember's associated MileagePlus account after Chase has met its obligations to United in connection with such a request. Benefits are available as long as cardmember's MileagePlus Explorer Credit Card account is open and not in default. Upon closure of the cardmember's MileagePlus Explorer Credit Card account, all benefits will be canceled.

MILEAGEPLUS PROGRAM TERMS AND CONDITIONS
Miles accrued, awards, and benefits issued are subject to change and are subject to the rules of the United MileagePlus program, including without limitation the Premier® program (the "MileagePlus Program"), which are expressly incorporated herein. Please allow 6-8 weeks after completed qualifying activity for miles to post to your account. United may change the MileagePlus Program including, but not limited to, rules, regulations, travel awards and special offers or terminate the MileagePlus Program at any time and without notice. United and its subsidiaries, affiliates and agents are not responsible for any products or services of other participating companies and partners. Taxes and fees related to award travel are the responsibility of the member. Bonus award miles, award miles and any other miles earned through non-flight activity do not count toward qualification for Premier status unless expressly stated otherwise. The accumulation of mileage or Premier status or any other status does not entitle members to any vested rights with respect to the MileagePlus Program. All calculations made in connection with the MileagePlus Program, including without limitation with respect to the accumulation of mileage and the satisfaction of the qualification requirements for Premier status, will be made by United Airlines and MileagePlus in their discretion and such calculations will be considered final. Information in this communication that relates to the MileagePlus Program does not purport to be complete or comprehensive and may not include all of the information that a member may believe is important, and is qualified in its entirety by reference to all of the information on the united.com website and the MileagePlus Program rules. United and MileagePlus are registered service marks. For complete details about the MileagePlus Program, go to united.com.

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